The moat framework: how I evaluate competitive advantage

How does this compare to just buying VTI and forgetting about it?

Done similar analysis. Your numbers check out.

Real talk: most people can't stick to this when it gets hard.

I've been burned by this before. Your caution is warranted.

What's your target withdrawal rate in retirement?

This is the post I needed. Exactly my situation.

Fees really do compound in the wrong direction.

Good luck! Keep us updated.

Counterintuitively, the best time to buy is when you're most scared.

I've been thinking about this too. What's your time horizon?

This is essentially what a financial advisor charges $5k to tell you.

How long have you been doing this? Impressive numbers.

Great post, thanks for sharing this.

Appreciate the transparency here. Most people gatekeep this stuff.

Counterpoint: what happens if rates stay elevated longer?

Interesting perspective. I see it differently — happy to elaborate.

Good luck! Keep us updated.

Have you modeled different interest rate scenarios?

This is exactly what I needed to read today.

Appreciate you sharing the L's too. Most people only post wins.

I've been thinking about this too. What's your time horizon?

The math here is solid. This is what people miss.

Great post, thanks for sharing this.

This is either genius or the most expensive lesson of your life.

Great post, thanks for sharing this.

Fees really do compound in the wrong direction.

What brokerage are you using for this?

Counterpoint: what happens if rates stay elevated longer?

Curious about the rebalancing approach. Annual or threshold-based?

Have you considered the tax implications of this approach?

Counterintuitively, the best time to buy is when you're most scared.

Appreciate the transparency here. Most people gatekeep this stuff.

How long have you been doing this? Impressive numbers.

The exit strategy is what most people don't think about.

Have you stress tested this against a 40% drawdown?

This is exactly what I needed to read today.

I was skeptical at first but this changed my mind.

This is a masterclass. Bookmarked.

The fee math always surprises people when you actually do it out.

Not financial advice but I'm doing the exact same thing.

Interesting perspective. I see it differently — happy to elaborate.

Have you modeled different interest rate scenarios?

Any thoughts on doing this in a taxable account?

Great post, thanks for sharing this.

The exit strategy is what most people don't think about.

I've been thinking about this too. What's your time horizon?

The international allocation debate never gets old.

Done similar analysis. Your numbers check out.

Have you stress tested this against a 40% drawdown?

Mind sharing your full allocation?

I was skeptical at first but this changed my mind.

The compounding at year 20+ is when it gets really wild.

Exactly. The sequence-of-returns issue is severely underappreciated.

I respectfully disagree. The data suggests otherwise.

Exactly. The sequence-of-returns issue is severely underappreciated.

This is a masterclass. Bookmarked.